First home buyers

Take the next step and buy your first home now

Buying your first home is exciting, but can also be a bit daunting. Don’t be discouraged by the challenge. Our experienced lenders provide personalised service to guide you through each step and into your first home.

Suggested loans for first home buyers

Save money and maximise the amount you can borrow with Family Pledge

With St.George Family Pledge your parents or family can help you purchase a home using their own home's equity. By providing additional security for a portion of what you borrow, you can save a significant amount of money by avoiding the need for Lenders Mortgage Insurance (LMI).

How much can you borrow?

The amount you could borrow depends on your income, financial commitments (such as credit cards and personal loans), living expenses, credit history, and savings record. Find out exactly how much you can borrow using our borrowing power calculator or learn more about the factors that determine your borrowing amount.

Find out if you qualify for a home loan

Try one on for size with our easy pre-approval application. The repayments calculator shows you how much you will initially need to repay weekly, fortnightly or monthly.

First Home Owner Grant

You may qualify for the First Home Owner Grant. And there’s no need to go to the State Revenue Office to apply for it - we can lodge your application for the First Home Owner Grant directly with them on your behalf when you apply for a home loan with us.

It's also worth checking to see if you qualify for any exemptions or rebates on stamp duty.

Prepare to apply

Before you take the step to apply, gather the required documents to support your application. Use our application checklist as your guide.